Commercial Trust Financial Services

Updated today

Find your advisor

Client assets under management

Clients

Advisors

of 5 employees

Firm type

No Active Advisors

Clients per advisor

—

Average account size

—

About

Commercial Trust Financial Services acts as sponsor and portfolio manager for a wrap-fee investment program, providing discretionary portfolio management and ongoing investment advice for accounts custodied at LPL Financial. The firm manages and trades a range of instruments including mutual funds, equities, ETFs (including precious metals), closed-end funds, fixed income, unit investment trusts, options, and insurance products such as annuities.

CTFS documents client objectives in individualized Investment Policy Statements and implements strategies using fundamental and cyclical analysis, modern portfolio theory, and a long-term trading orientation, with discretionary authority to execute transactions. The firm may use or blend model portfolios supplied by LPL, third-party strategists, or CTFS, and conducts annual performance reviews to monitor portfolios.

Distinctive features include CTFS’s role as both wrap-fee sponsor and portfolio manager — a combination that is uncommon for firms in this category — and its organizational ties to a banking entity and to insurance-related activities, including licensed insurance personnel and annuity offerings. The firm requires use of LPL as custodian and elects to pay transaction charges on clients’ behalf (which can affect trading incentives), and its ADV filing reports no assets under management at the time of the brochure.

Client services

Portfolio management

Expertise

Wealth management Annuities Real estate investing

Fee options

Percentage

$0 - $100,000: 1.25% $100,001 - $1,000,000: 1.05% $1,000,001 - $2,500,000: 0.90% $2,500,001 - $5,000,000: 0.75% $5,000,001+: 0.60%

Main office location

Commercial Trust Financial Services

119 N Main St

Fayette MO 65248, United States

Number of offices

Most active in

Illinois · Missouri · Montana · Nebraska · Texas

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Is not active or affiliated with:

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Website 660-248-2223

Advisors at this firm

Kyle E

Series 63, Series 66

Fayette, MO

Commercial Trust Financial Services

Kyle Elliott is a financial advisor with Commercial Trust Financial Services and holds Series 63 and Series 66 licenses. He has 26 years of industry experience, including roles at LPL Financial and Commercial Trust Company. Elliott also provides investment advisory services through Convergence Financial, LLC. Commercial Trust Financial Services sponsors and manages a wrap-fee investment program, offering discretionary portfolio management and ongoing investment advice for accounts custodied at LPL Financial. The firm employs a combination of fundamental and cyclical analysis, modern portfolio theory, and a long-term trading approach.

Wealth management Annuities Real estate investing

Jeffrey K

Series 66

Fayette, MO

Commercial Trust Financial Services

Jeffrey Kenney is a financial advisor at Convergence Financial in Columbia, MO, holding a Series 66 designation with one year of industry experience. Prior to joining Convergence Financial, he worked at Terracon Consultants for 11 years. Convergence Financial is a multi-advisor registered investment adviser serving individuals, families, high-net-worth clients, trusts, estates, charitable organizations, and retirement plan sponsors. The firm offers discretionary and non-discretionary asset management, comprehensive financial planning, and retirement plan consulting, using strategic asset allocation and fundamental analysis to tailor portfolios to clients’ goals and risk tolerance.

Wealth management Annuities Real estate investing

See all

View complete list of advisors at this firm

Not sure where to start?

We'll help you think it through — whether you ultimately need an advisor or not.

Warmer helps you compare advisors clearly — so you can choose with confidence.

Find your advisor

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

Find the right match for you

Answer a few quick questions and we'll tailor results to your goals, so you can hire smarter.

Find your advisor

A smarter way to hire an advisor

Compare and choose confidently

Warmer combines best-in-class advisor data with guidance to help you clarify what you need, understand why an advisor may — or may not — fit, and move forward with confidence.

How Warmer works

Thoughtfully vetted, clearly explained

We review rigorously and transparently

Get to know your advisors' credentials, disciplinary history, specialization, client fit, and communication style. We're selective about who we recommend — and tell you why we think someone fits your situation.

Our methodology

Always free and always on your side

Free. Confidence that lasts

We help you book free consultations with your matches. You only pay an advisor if you decide to hire them. And our support doesn't end with an introduction — we're here to make sure the relationship works for you.

Our ongoing support